The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$99,379
−HK$6,232/mo
▼ 0.25% · 3.875%
HK$102,470
−HK$3,141/mo
Today · 4.125%
HK$105,611
baseline
▲ 0.50% · 4.625%
HK$112,037
+HK$6,426/mo
Deposit HK$21.79M · loan HK$21.79M · min. income ≈ HK$211,222/mo (50% DSR)
Upfront cash ≈ HK$23.64M (deposit + AVD stamp duty HK$1,852,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,558
−HK$5,973/mo
▼ 0.25% · 3.875%
HK$113,523
−HK$3,008/mo
Today · 4.125%
HK$116,531
baseline
▲ 0.50% · 4.625%
HK$122,673
+HK$6,142/mo
Deposit HK$21.79M · loan HK$21.79M · min. income ≈ HK$233,062/mo (50% DSR)
Upfront cash ≈ HK$23.64M (deposit + AVD stamp duty HK$1,852,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,254
−HK$7,479/mo
▼ 0.25% · 3.875%
HK$122,964
−HK$3,769/mo
Today · 4.125%
HK$126,733
baseline
▲ 0.50% · 4.625%
HK$134,444
+HK$7,711/mo
Deposit HK$17.43M · loan HK$26.15M · min. income ≈ HK$253,466/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,852,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,669
−HK$7,168/mo
▼ 0.25% · 3.875%
HK$136,227
−HK$3,610/mo
Today · 4.125%
HK$139,837
baseline
▲ 0.50% · 4.625%
HK$147,208
+HK$7,371/mo
Deposit HK$17.43M · loan HK$26.15M · min. income ≈ HK$279,674/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,852,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,130
−HK$8,725/mo
▼ 0.25% · 3.875%
HK$143,458
−HK$4,397/mo
Today · 4.125%
HK$147,855
baseline
▲ 0.50% · 4.625%
HK$156,851
+HK$8,996/mo
Deposit HK$13.07M · loan HK$30.51M · min. income ≈ HK$295,710/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,852,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,781
−HK$8,362/mo
▼ 0.25% · 3.875%
HK$158,932
−HK$4,211/mo
Today · 4.125%
HK$163,143
baseline
▲ 0.50% · 4.625%
HK$171,743
+HK$8,600/mo
Deposit HK$13.07M · loan HK$30.51M · min. income ≈ HK$326,286/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,852,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,882
−HK$11,217/mo
▼ 0.25% · 3.875%
HK$184,446
−HK$5,653/mo
Today · 4.125%
HK$190,099
baseline
▲ 0.50% · 4.625%
HK$201,666
+HK$11,567/mo
Deposit HK$4.36M · loan HK$39.22M · min. income ≈ HK$380,198/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,852,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,004
−HK$10,751/mo
▼ 0.25% · 3.875%
HK$204,341
−HK$5,414/mo
Today · 4.125%
HK$209,755
baseline
▲ 0.50% · 4.625%
HK$220,812
+HK$11,057/mo
Deposit HK$4.36M · loan HK$39.22M · min. income ≈ HK$419,510/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,852,245 · Scale 2, in force from 26 Feb 2026)